Don't enquire loan through Whatsapp and Facebook.
What's the point to borrow $400 then keep paying to them non stop ?
By the way, if really need the money urgently can use Bank Credit card balance transfer facilities.
No need get money from strangers.
I think most of them enquire for a bigger loan but was force to take up a 'trail loan'. Hence the $400/$500/$600 was transferred without them approving it. If the public knew how the force loan works, I feel many would not be in this kind of situation.